4. What is this employee's net pay?

6. How many hours did this employee work during this pay period?

7. An account that allows you easy access to your money and allows the use of checks and debit cards.

8. An account, similar to savings, but requires higher balances to avoid monthly fees and has limited check writing privileges.

9. What is the definition of a "need"?

10. Entertainment and dining out are important expenses in a budget and should not be cut.

11. An advertisement saying another business has bad service can be an example of what type of deceptive advertising?

12. How many hours of vacation does this employee have available?

13. Which of these are a want?

14. Which influence on spending deals with the motivation to purchase a product?

15. Early withdrawal of the money in a CD can lead to substantial financial ______.

16. Knowing what you want is the first step to avoid falling prey to deceptive advertising.

17. A __________allows you to invest your money with a set interest rate for a pre-set period of time.

18. A budget is an estimate of income for a set period of time.

19. ______________, in a savings account, is calculated as a percentage of what you have saved.

20. When budgeting, large expenses should be __________________.